Fraud and reputation protection using advanced authorization and rules engine

Abstract

Systems and methods are presented for analyzing a credit card or other financial transaction and, based on whether a score for the transaction meets or exceeds a user-selected threshold, sending a transaction notification message to a consumer's electronic device such as a cell phone.

1 .- 18 . (canceled) 
     
     
         19 . A method comprising:
 receiving transaction data at a server computer, wherein the transaction data requests approval to conduct a transaction;   generating a score based on the transaction data;   if the score is in a first score range, then providing a notification to a person using a first communication mode; and   if the score is in a second score range, then providing the notification to the person using a second communication mode.   
     
     
         20 . The method of  claim 19  wherein the transaction data is in an authorization request message. 
     
     
         21 . The method of  claim 19  wherein the first communication mode comprises an e-mail, and the second communication mode comprises a text message. 
     
     
         22 . The method of  claim 19  wherein the first communication mode provides the notification in a first message type and the second communication mode provides the notification in a second message type. 
     
     
         23 . The method of  claim 19  wherein the first communication mode comprises a first type of notification delivery channel and the second communication mode comprises a second type of delivery channel. 
     
     
         24 . The method of  claim 19  wherein the transaction data is associated with a transaction conducted using a payment device, which is issued by an issuer. 
     
     
         25 . The method of  claim 24  wherein the method is performed by a computer in a payment processing network, and wherein the transaction data is present in an authorization request message, and wherein the method further comprises:
 sending the authorization request message to the issuer and receiving an authorization response message from the issuer. 
 
     
     
         26 . A computer comprising a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code for implementing a method comprising:
 receiving transaction data at a server computer, wherein the transaction data requests approval to conduct a transaction;   generating a score based on the transaction data;   if the score is in a first score range, then providing a notification to a person using a first communication mode; and   if the score is in a second score range, then providing the notification to the person using a second communication mode.   
     
     
         27 . The computer of  claim 26  wherein the transaction data is in an authorization request message. 
     
     
         28 . The computer of  claim 26  wherein the first communication mode comprises an e-mail, and the second communication mode comprises a text message. 
     
     
         29 . The computer of  claim 26  wherein the first communication mode provides the notification in a first message type and the second communication mode provides the notification in a second message type. 
     
     
         30 . The computer of  claim 26  wherein the first communication mode comprises a first type of notification delivery channel and the second communication mode comprises a second type of delivery channel. 
     
     
         31 . The computer of  claim 26  wherein the transaction data is associated with a transaction conducted using a payment device, which is issued by an issuer. 
     
     
         32 . The computer of  claim 26  wherein the transaction data is present in an authorization request message, and wherein the method further comprises:
 sending the authorization request message to the issuer and receiving an authorization response message from the issuer.